You operate mobile money services — M-Pesa, MTN MoMo, Orange Money, Airtel Money. You have tens of millions of users and agent networks across multiple countries. Stablecoins unlock cross-border without correspondent banking.First, we'll help you check if you're eligible to join the network. Then we'll walk through what infrastructure you need, what value you unlock, and your path forward based on where you are today.You're Eligible If...#
The Stablecoin Clearing Network is open to mobile money operators that meet these criteria. Check any that apply:You hold telecom + e-money/mobile money licenses (and pursuing VASP where required)
You operate mobile wallets for tens of millions of users
You have agent networks for cash-in/cash-out across countries
You're exploring or active in cross-border mobile money (diaspora remittances, regional interoperability)
If you checked 3 or more you're likely eligible for network participation — and there's real value to unlock. Keep reading to see what you'll need and what you'll gain.
What You'll Need#
Joining the network requires four building blocks. Mobile money operators often need to add stablecoin-specific infrastructure to their existing stack. Here's what matters and why:| Requirement | Why It Matters |
|---|
| License | E-money/mobile money license + VASP/CASP authorization for stablecoin operations |
| Custody (MPC) | Institutional-grade key management for stablecoin float |
| Stablecoin Float | Ability to hold and settle in stablecoins (not just fiat mobile money) |
| Cross-Border Intent | Active or planned diaspora remittance or regional interoperability use case |
| Issuer Access (optional) | Direct relationship with Circle/Tether for mint/redeem at par — free vs. 0.1-0.5% spread on exchanges |
Building from scratch? Mobile money operators often need architecture consulting to design custody, compliance, and multi-chain infrastructure. We can help — see "Your Path Forward" below.
What You Unlock#
Once you join the network, you gain access to use cases that would otherwise require correspondent banking or complex bilateral deals. Here's what becomes possible:| Use Case | What It Means for You |
|---|
| Diaspora Remittances | Receive from US, UK, EU directly into mobile wallets — stablecoins are the backend rail, users see their familiar M-Pesa/MoMo app |
| Regional Interoperability | Kenya ↔ Nigeria ↔ Ghana — continental transfers via stablecoin rails, invisible to end users |
| B2B Payments | Business clients pay suppliers across borders — routing rules handle complexity, no custom scripting |
| Agent Network Monetization | Your 500K+ agents become cash-out points for the entire network |
| Correspondent Banking Alternative | Reduce reliance on de-risking correspondent banks for cross-border float |
Your Path Forward#
Where are you today? Find your stage and take the right next step:Need strategic guidance?#
Get expert advisory for your compliance, product, and treasury teams on stablecoin infrastructure decisions.
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